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Free FERS annuity calculator and federal retirement calculator updated for 2026. Calculate your FERS pension, FERS annuity supplement, disability retirement benefits, and high-3 salary benefits. Our FERS calc uses official OPM formulas to estimate your Federal Employees Retirement System annuity based on years of service, high-3 average salary, and retirement age.
Last updated: February 2, 2026 - Updated for 2026 FERS calculations
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Include all federal service time
Average of highest 3 consecutive years of basic pay
Your age when you plan to retire
Available if retiring before age 62 with 30+ years
$2,750.00
$33,000 annually
Replacement Rate
33.0%
Lifetime Value
$0.76M
$33,000
Includes annuity
Formula
1% or 1.1% × Years × High-3
Core FERS pension calculation based on creditable service
Average period
36 Consecutive Months
Critical factor in FERS annuity calculation
Eligibility
30+ Years, Before 62
Temporary benefit approximating Social Security
Components
FERS + TSP + SS
Three-tier retirement system analysis
Standard
OPM Certified
Based on official government retirement formulas
Options
Immediate, Early, Deferred
Analyze different retirement timing scenarios
If you're searching for a federal retirement calculator 2020, you've found the most current version! Our calculator has been updated for 2026 with the latest FERS formulas, OPM regulations, and benefit calculations. All FERS annuity formulas remain the same (1% standard, 1.1% enhanced), but we've improved the calculator interface and added support for disability retirement calculations.
Our federal retirement calculator (updated for 2026) uses the latest FERS formulas and regulations to help federal employees accurately estimate their retirement benefits. Calculating a FERS annuity involves understanding your years of creditable service, your high-3 average salary, and your retirement age to determine the correct annuity multiplier (1% or 1.1%).
The FERS annuity calculation follows this formula: High-3 Salary × Years of Service × Annuity Multiplier. For most federal employees, the multiplier is 1% per year of service. However, if you retire at age 62 or older with at least 20 years of service, you qualify for the enhanced 1.1% multiplier, which increases your annual annuity by 10%.
When calculating a FERS annuity, it's important to note that your high-3 average salary is based on your highest 36 consecutive months of basic pay. This typically includes your base salary plus locality pay, but excludes bonuses, overtime, and other special payments unless they're part of your regular basic pay rate.
Scenario: Federal employee with 30 years of service, $100,000 high-3 salary, retiring at age 62
The FERS annuity supplement (also called the Special Retirement Supplement or SRS) is a temporary benefit designed to bridge the gap between your FERS retirement and Social Security eligibility at age 62. This supplement approximates the Social Security benefit you earned during your federal service years and is paid monthly from your retirement date until you turn 62.
The FERS annuity supplement (also called the Special Retirement Supplement or SRS) is a temporary benefit designed to bridge the gap between your FERS retirement and Social Security eligibility at age 62. This supplement approximates the Social Security benefit you earned during your federal service years and is paid monthly from your retirement date until you turn 62.
To qualify for the FERS annuity supplement, you must retire under immediate retirement provisions before age 62 with at least 30 years of service, or at your Minimum Retirement Age (MRA) with 30 years of service. The supplement calculation is complex and involves estimating your Social Security benefit based on your federal service, then prorating it based on your years of FERS service divided by 40.
Important notes about the FERS annuity supplement:
Our civil service retirement calculator FERS helps federal employees understand the difference between the old Civil Service Retirement System (CSRS) and the Federal Employees Retirement System (FERS). While CSRS was available to employees hired before 1984, FERS applies to most federal employees hired after 1983.
The civil service retirement calculator FERS uses the standard FERS formulas to calculate your retirement annuity. Unlike CSRS, which provided 1.5-2% per year of service (but no Social Security), FERS provides 1-1.1% per year but includes Social Security benefits and Thrift Savings Plan (TSP) matching contributions.
FERS (Federal Employees Retirement System)
CSRS (Civil Service Retirement System)
30 years of service, $100,000 high-3 salary, retiring at age 62:
Monthly
$2,750
Annual
$33,000
Replacement
33%
Lifetime
$0.76M
Our FERS disability retirement calculator helps federal employees estimate disability retirement benefits. FERS disability retirement is available to employees who become disabled and have at least 18 months of creditable service.
Note: To calculate disability retirement benefits, select "Disability Retirement" in the retirement type dropdown above. The calculator will adjust the formula accordingly. For accurate disability calculations, consult with OPM or a qualified retirement specialist.
Our FERS annuity calculator uses the official Office of Personnel Management (OPM) formula to estimate your federal retirement benefits. The calculation multiplies your creditable years of service by your high-3 average salary and the applicable percentage multiplier, providing accurate projections of your monthly and annual FERS pension payments.
| Retirement Age | Years of Service | Multiplier |
|---|---|---|
| Under 62 | Any | 1.0% |
| 62 or older | 20+ years | 1.1% |
| 62 or older | Less than 20 | 1.0% |
The enhanced 1.1% multiplier provides a 10% higher annuity for eligible retirees. This incentivizes federal employees to work longer and retire at full retirement age. The high-3 salary is your average basic pay during any 3 consecutive years of service, typically your final three years.
Visualization of FERS three-tier retirement system components
The Special Retirement Supplement (SRS) is a unique FERS benefit that bridges the gap between retirement and Social Security eligibility at age 62. It approximates the Social Security benefit earned during your federal service years. To qualify, you must retire under immediate retirement provisions before age 62 with at least 30 years of service, or at your Minimum Retirement Age with 30 years.
Looking for a quick FERS calc? Our calculator makes it easy:
The FERS calc automatically applies the correct multiplier (1% or 1.1%) based on your age and service years, and estimates your Special Retirement Supplement if eligible.
Planning comprehensive retirement? Check out our retirement calculator and 401k loan calculator.
Get Custom Calculator for Your PlatformResult: $2,750/month ($33,000/year) FERS annuity
33% salary replacement from pension alone. Add Social Security (~35%) and TSP for complete retirement income.
25 years, $80,000 high-3, age 60
$20,000/year (1% × 25 × $80,000)
30 years, age 56 (MRA+30)
Plus ~$1,500/mo until age 62
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